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More Approvals. Better Service. No Surprises.

  • Built for contractors, Hearth's financing eliminates the guesswork, helps protect your margins, and wins the jobs that GreenSky won't fund. See how easy it can be to get started today.
  • Approvals for 550+ FICO scores
  • No costly per-project dealer fees
  • Get paid by your customer up front, no proof of work required
  • Ongoing support & training from our financing experts

Deb T, 04/08/2025

“Since switching to Hearth, our financing and payments just work—customers love the choices, and we love the zero-headache support.”

By clicking “Next” above, you expressly agree and consent to Hearth’s Privacy Policy, Terms of Use, and Terms for Electronic Transactions. You also electronically authorize Hearth to call or text me at the number I provided with information or offers, message and data rates may apply.

FEATURE Hearth Logo COMPREHENSIVE SOLUTION GREENSKY
LIMITED FOCUS
COST STRUCTURE & SCALABILITY
Per‑loan dealer fees?
Impact on your profit margin		 NONE
ADVANTAGE		2‑18.5%* depending on the plan
Fee Model
Transaction minimums		 Subscription‑based
NONE – Use as much or little as you need		 Per‑transaction dealer fees
Yes – yearly minimums required
PAYMENT TIMING & BUSINESS CASH FLOW
Who receives funds? HOMEOWNER
Upon loan approval		 CONTRACTOR
Stage funding
Payment timingStandard homeowner‑to‑contractor paymentScattered, with homeowner approval
Collect deposits?✓✗
LENDER NETWORK & APPROVAL OPTIMIZATION
Number of lending options 20
ADVANTAGE		14*
Application Process Single application to multiple lenders
More approval chances		 Separate applications required
Added customer friction
Accepted Super‑prime, prime, and sub‑prime
Broader customer eligibility		 Primarily prime
Limited customer eligibility
INDUSTRY SPECIALIZATION
Built specifically for contractors✓✗
Serves multiple industries
Integrated business tools ✓
QUOTES, INVOICES, CONTRACTS, PAYMENTS		 ✗
Financing only
Purpose-built contractor workflows✓ ✗
General financing solutions

*Based on research conducted September 2022

GreenSky's Denials Costing You Jobs?

  • You've invested hours into the quote and follow-up, only to watch the homeowner walkaway frustrated because they got denied. That's when smart contractors turn to Hearth for a second-look option. Hearth can complement your existing lending options by offering financing to homeowners with less creditworthiness
  • Turn denials into paying customers
  • Approvals for 550+ FICO scores
  • Reduce your cost per job sold
  • Get a return on your time and effort

We Do The Work, You Deliver The Results

  • Hearth Concierge* handles every customer interaction, guiding your homeowners through the loan process from start to finish. Spend that time on everything else that needs doing while getting results that speak for themselves.
  • Twice as many funded loans
  • 50% faster time to first fund
  • Significant time savings

*Optional service that may include charges depending on plan

Sign Up Today, Start Selling Tomorrow

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Hearth is a technology company, which is licensed as a broker as may be required by state law. Hearth does not accept applications for credit, does not make loans, and does not make credit decisions; this site does not constitute an offer or solicitation to lend. Annual Percentage Rates (APR), Introductory Rates (Intro), terms, interest rates, amounts, and fee(s) are provided by Hearth’s lending partners.  NMLS ID# 1628533 | NMLS Consumer Access.

© 2025 Shogun Enterprises Inc. Hearth® is a registered trademark of Shogun Enterprises Inc. All Rights Reserved.

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